/* ============================================================
   KALIXLEND — Bold Dark Design System
   Fonts: Archivo (display), Inter (body), Space Mono (accents)
   ============================================================ */

:root {
  /* Surfaces */
  --bg:        #1a1a2e;
  --bg-2:      #15152a;
  --bg-3:      #12121f;
  --panel:     #24243e;
  --panel-2:   #2b2b48;
  --line:      rgba(255,255,255,0.09);
  --line-2:    rgba(255,255,255,0.16);

  /* Accents */
  --teal:      #0e7490;
  --teal-2:    #0891b2;
  --teal-3:    #22d3ee;
  --teal-glow: rgba(8,145,178,0.35);

  /* Text */
  --text:      #eef0f6;
  --text-2:    #b6b9cc;
  --text-3:    #7d80a0;

  /* Type */
  --f-display: 'Archivo', system-ui, sans-serif;
  --f-body:    'Inter', system-ui, sans-serif;
  --f-mono:    'Space Mono', ui-monospace, monospace;

  --wrap: 1200px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  background: var(--bg);
  color: var(--text);
  font-family: var(--f-body);
  font-size: 17px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

img { max-width: 100%; display: block; }
a { color: var(--teal-3); text-decoration: none; }
a:hover { text-decoration: underline; }

.container { width: 100%; max-width: var(--wrap); margin: 0 auto; padding: 0 32px; }

/* ---------- Type helpers ---------- */
h1, h2, h3, h4, h5 { font-family: var(--f-display); font-weight: 800; line-height: 1.03; letter-spacing: -0.02em; margin: 0; }
.display { font-family: var(--f-display); font-weight: 900; letter-spacing: -0.035em; line-height: 0.98; }
.display em { font-style: normal; color: var(--teal-3); }

.eyebrow {
  display: inline-block;
  font-family: var(--f-mono);
  font-size: 12.5px;
  letter-spacing: 0.28em;
  text-transform: uppercase;
  color: var(--teal-3);
  margin-bottom: 22px;
}
.eyebrow::before { content: "// "; color: var(--teal); }

.lead { font-size: 1.24rem; color: var(--text-2); line-height: 1.6; max-width: 44ch; }

.section-eyebrow {
  display: block;
  font-family: var(--f-mono);
  font-size: 12px;
  letter-spacing: 0.28em;
  text-transform: uppercase;
  color: var(--teal-3);
  margin-bottom: 18px;
}
.section-title { font-size: clamp(2rem, 4.6vw, 3.4rem); margin-bottom: 18px; max-width: 20ch; }
.section-lead { font-size: 1.15rem; color: var(--text-2); max-width: 60ch; }

/* ---------- Buttons ---------- */
.btn-primary, .btn-ghost, .btn-outline, .btn-cta, .submit-btn {
  font-family: var(--f-mono);
  font-weight: 700;
  font-size: 14px;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  border: 0;
  cursor: pointer;
  transition: transform .15s ease, box-shadow .2s ease, background .2s ease, color .2s ease;
}
.btn-primary {
  background: var(--teal-2);
  color: #06121a;
  padding: 16px 30px;
  clip-path: polygon(10px 0, 100% 0, 100% calc(100% - 10px), calc(100% - 10px) 100%, 0 100%, 0 10px);
  box-shadow: 0 0 0 rgba(8,145,178,0);
}
.btn-primary:hover { background: var(--teal-3); text-decoration: none; transform: translateY(-2px); box-shadow: 0 12px 30px var(--teal-glow); }
.btn-ghost {
  background: transparent;
  color: var(--text);
  padding: 16px 30px;
  border: 1px solid var(--line-2);
}
.btn-ghost:hover { border-color: var(--teal-3); color: var(--teal-3); text-decoration: none; }
.btn-outline {
  background: transparent;
  color: var(--teal-3);
  padding: 13px 24px;
  border: 1px solid var(--teal);
}
.btn-outline:hover { background: var(--teal); color: #06121a; text-decoration: none; }

/* ---------- Topbar ---------- */
.topbar {
  background: var(--bg-3);
  border-bottom: 1px solid var(--line);
  font-family: var(--f-mono);
  font-size: 12px;
  letter-spacing: 0.04em;
  color: var(--text-3);
}
.topbar .container { display: flex; justify-content: space-between; align-items: center; padding-top: 9px; padding-bottom: 9px; gap: 16px; }
.topbar a { color: var(--text-2); }
.topbar a:hover { color: var(--teal-3); }
.phone-mobile { display: none; }

/* ---------- Nav ---------- */
nav.main {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(21,21,42,0.82);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--line);
}
nav.main .container { display: flex; align-items: center; justify-content: space-between; padding-top: 16px; padding-bottom: 16px; }
.site-logo { height: 30px; width: auto; }
.nav-links { list-style: none; display: flex; gap: 34px; margin: 0; padding: 0; margin-left: auto; margin-right: 32px; }
.nav-links a {
  font-family: var(--f-mono);
  font-size: 13px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--text-2);
  position: relative;
  padding: 4px 0;
}
.nav-links a:hover { color: var(--text); text-decoration: none; }
.nav-links a.active { color: var(--teal-3); }
.nav-links a.active::after,
.nav-links a:hover::after {
  content: ""; position: absolute; left: 0; bottom: -6px; width: 100%; height: 2px; background: var(--teal-3);
}
.btn-cta { background: var(--teal-2); color: #06121a; padding: 12px 22px; clip-path: polygon(8px 0,100% 0,100% calc(100% - 8px),calc(100% - 8px) 100%,0 100%,0 8px); }
.btn-cta:hover { background: var(--teal-3); text-decoration: none; }
.menu-toggle { display: none; background: none; border: 0; color: var(--text); cursor: pointer; }
.menu-toggle svg { width: 26px; height: 26px; }

/* ---------- Sections ---------- */
section { padding: 96px 0; }
.band-2 { background: var(--bg-2); }
.band-3 { background: var(--bg-3); }
.band-panel { background: linear-gradient(180deg, var(--bg-2), var(--bg-3)); }

/* ============================================================
   HOME — split diagonal hero
   ============================================================ */
.hero-split { position: relative; padding: 0; overflow: hidden; background: var(--bg-2); border-bottom: 1px solid var(--line); }
.hero-split::before {
  content: "";
  position: absolute; inset: 0;
  background:
    radial-gradient(1000px 600px at 12% 20%, rgba(8,145,178,0.22), transparent 60%),
    linear-gradient(135deg, rgba(14,116,144,0.28), rgba(21,21,42,0) 55%);
  clip-path: polygon(0 0, 62% 0, 44% 100%, 0 100%);
  z-index: 0;
}
.hero-split::after {
  content: "";
  position: absolute; top: 0; bottom: 0; left: 44%; width: 2px;
  background: linear-gradient(180deg, transparent, var(--teal-3), transparent);
  transform: skewX(-14deg); transform-origin: top;
  opacity: .5; z-index: 1;
}
.hero-split .container {
  position: relative; z-index: 2;
  display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 56px; align-items: center;
  padding-top: 110px; padding-bottom: 110px; min-height: 620px;
}
.hero-split .display { font-size: clamp(2.8rem, 6.4vw, 5.4rem); margin-bottom: 26px; }
.hero-actions { display: flex; gap: 16px; margin-top: 36px; flex-wrap: wrap; }

.loan-card {
  background: var(--panel);
  border: 1px solid var(--line-2);
  border-radius: 4px;
  padding: 34px;
  box-shadow: 0 30px 70px rgba(0,0,0,0.45);
  position: relative;
}
.loan-card::before { content: ""; position: absolute; top: 0; left: 0; width: 60px; height: 3px; background: var(--teal-3); }
.loan-card h3 { font-size: 1.5rem; margin-bottom: 4px; }
.loan-card .sub { font-family: var(--f-mono); font-size: 12px; color: var(--teal-3); letter-spacing: 0.06em; margin-bottom: 26px; }
.slider-row { margin-bottom: 24px; }
.slider-row label { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 12px; font-size: 14px; color: var(--text-2); }
.slider-row .amount { font-family: var(--f-mono); font-weight: 700; font-size: 20px; color: var(--text); }
input[type=range] { -webkit-appearance: none; appearance: none; width: 100%; height: 4px; border-radius: 4px; background: var(--line-2); outline: none; }
input[type=range]::-webkit-slider-thumb { -webkit-appearance: none; appearance: none; width: 22px; height: 22px; border-radius: 50%; background: var(--teal-3); cursor: pointer; border: 3px solid var(--panel); box-shadow: 0 0 0 1px var(--teal); }
input[type=range]::-moz-range-thumb { width: 22px; height: 22px; border-radius: 50%; background: var(--teal-3); cursor: pointer; border: 3px solid var(--panel); }
.estimated { display: flex; justify-content: space-between; align-items: center; padding: 20px 0; margin: 8px 0 22px; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.estimated .label { font-size: 13px; color: var(--text-2); }
.estimated .value { font-family: var(--f-display); font-weight: 900; font-size: 2.2rem; color: var(--teal-3); letter-spacing: -0.03em; }
.loan-card .btn-primary { width: 100%; }
.loan-card .disclaimer { font-family: var(--f-mono); font-size: 11px; color: var(--text-3); text-align: center; margin-top: 14px; }

/* ---------- Big stats grid ---------- */
.stats-band { background: var(--bg-3); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); padding: 0; }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.stat-cell { padding: 52px 30px; border-right: 1px solid var(--line); }
.stat-cell:last-child { border-right: 0; }
.stat-cell .num { font-family: var(--f-display); font-weight: 900; font-size: clamp(2.2rem, 4vw, 3.4rem); letter-spacing: -0.04em; color: var(--text); line-height: 1; }
.stat-cell .num em { font-style: normal; color: var(--teal-3); }
.stat-cell .lbl { font-family: var(--f-mono); font-size: 12px; text-transform: uppercase; letter-spacing: 0.14em; color: var(--text-3); margin-top: 14px; }

/* ---------- Timeline steps (home + hiw) ---------- */
.timeline { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; margin-top: 56px; border-top: 1px solid var(--line-2); }
.timeline .step { padding: 40px 34px 40px 0; border-right: 1px solid var(--line); position: relative; }
.timeline .step:last-child { border-right: 0; padding-right: 0; }
.timeline .step::before { content: ""; position: absolute; top: -1px; left: 0; width: 46px; height: 3px; background: var(--teal-3); }
.timeline .step .num { font-family: var(--f-mono); font-size: 13px; letter-spacing: 0.1em; color: var(--teal-3); margin-bottom: 20px; }
.timeline .step h3 { font-size: 1.5rem; margin-bottom: 12px; }
.timeline .step p { color: var(--text-2); font-size: 1rem; margin: 0; }

/* ---------- Use cases grid ---------- */
.use-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; margin-top: 52px; }
.use-card {
  display: flex; gap: 22px; align-items: flex-start;
  background: var(--panel); border: 1px solid var(--line); border-radius: 4px; padding: 30px;
  transition: border-color .2s, transform .2s, background .2s;
}
.use-card:hover { border-color: var(--teal); transform: translateY(-3px); background: var(--panel-2); }
.use-icon { flex-shrink: 0; width: 52px; height: 52px; border-radius: 4px; display: grid; place-items: center; background: rgba(8,145,178,0.14); border: 1px solid var(--teal); }
.use-icon svg { width: 26px; height: 26px; color: var(--teal-3); }
.use-card h4 { font-size: 1.25rem; margin-bottom: 8px; }
.use-card p { color: var(--text-2); font-size: 0.98rem; margin: 0; }

/* ---------- Knowledge grid ---------- */
.knowledge-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; margin-top: 52px; }
.knowledge-card { border: 1px solid var(--line); border-radius: 4px; padding: 34px; background: var(--bg-2); }
.knowledge-card .icon { width: 48px; height: 48px; display: grid; place-items: center; border-radius: 50%; background: rgba(8,145,178,0.12); margin-bottom: 22px; }
.knowledge-card .icon svg { width: 24px; height: 24px; color: var(--teal-3); }
.knowledge-card h4 { font-size: 1.3rem; margin-bottom: 10px; }
.knowledge-card p { color: var(--text-2); font-size: 1rem; margin: 0; }

/* ---------- CTA band ---------- */
.cta-band { position: relative; overflow: hidden; background: var(--bg-3); border-top: 1px solid var(--line); }
.cta-band::before {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(700px 400px at 85% 50%, rgba(8,145,178,0.2), transparent 60%);
  clip-path: polygon(38% 0, 100% 0, 100% 100%, 22% 100%);
}
.cta-band .container { position: relative; z-index: 1; display: grid; grid-template-columns: 1.4fr 1fr; gap: 48px; align-items: center; }
.cta-band h2 { font-size: clamp(2rem, 4vw, 3rem); margin-bottom: 16px; }
.cta-band p { color: var(--text-2); font-size: 1.15rem; }
.cta-actions { display: flex; gap: 16px; margin-top: 28px; flex-wrap: wrap; }
.cta-call .k1 { font-family: var(--f-mono); font-size: 13px; color: var(--text-2); letter-spacing: 0.08em; text-transform: uppercase; margin: 0 0 14px; }
.cta-call .k2 { font-family: var(--f-display); font-weight: 900; font-size: clamp(1.8rem, 3.4vw, 2.6rem); color: var(--teal-3); letter-spacing: -0.03em; margin: 0; }
.cta-call .k3 { margin-top: 14px; }

/* ============================================================
   Compact / interior heroes
   ============================================================ */
.hero-interior { position: relative; overflow: hidden; background: var(--bg-2); border-bottom: 1px solid var(--line); padding: 96px 0 84px; }
.hero-interior::before {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(115deg, rgba(14,116,144,0.22), transparent 48%);
  clip-path: polygon(0 0, 40% 0, 26% 100%, 0 100%);
}
.hero-interior .container { position: relative; z-index: 1; }
.hero-interior .display { font-size: clamp(2.6rem, 6vw, 4.6rem); margin-bottom: 22px; }
.hero-interior .lead { max-width: 56ch; }

/* Legal hero */
.hero-legal { background: var(--bg-2); border-bottom: 1px solid var(--line); padding: 72px 0 56px; position: relative; overflow: hidden; }
.hero-legal::after { content: ""; position: absolute; right: -60px; top: -60px; width: 320px; height: 320px; border: 1px solid var(--line-2); transform: rotate(45deg); }
.hero-legal .display { font-size: clamp(2.6rem, 6vw, 4.4rem); }

/* ============================================================
   ABOUT — editorial
   ============================================================ */
.editorial { display: grid; grid-template-columns: 220px 1fr; gap: 40px; padding: 46px 0; border-bottom: 1px solid var(--line); }
.editorial:last-of-type { border-bottom: 0; }
.editorial .e-label { font-family: var(--f-mono); font-size: 13px; letter-spacing: 0.12em; text-transform: uppercase; color: var(--teal-3); padding-top: 8px; }
.editorial .e-body h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); margin-bottom: 16px; }
.editorial .e-body p { color: var(--text-2); font-size: 1.1rem; margin: 0 0 14px; }
.editorial .e-body em { color: var(--teal-3); font-style: normal; }
.diff-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; margin-top: 10px; }
.diff-item { border: 1px solid var(--line); border-left: 3px solid var(--teal); border-radius: 3px; padding: 20px 22px; background: var(--panel); }
.diff-item strong { color: var(--text); font-family: var(--f-display); font-weight: 800; display: block; margin-bottom: 4px; }
.diff-item span { color: var(--text-2); font-size: 0.98rem; }

/* ============================================================
   Forms (apply + contact) — dark inputs
   ============================================================ */
.form-card { background: var(--panel); border: 1px solid var(--line-2); border-radius: 4px; padding: 40px; position: relative; }
.form-card::before { content: ""; position: absolute; top: 0; left: 0; width: 70px; height: 3px; background: var(--teal-3); }
.form-card > h2 { font-size: 1.9rem; margin-bottom: 8px; }
.form-sub { color: var(--text-2); margin: 0 0 28px; font-size: 1rem; }
.form-section-label { display: block; font-family: var(--f-mono); font-size: 12px; letter-spacing: 0.16em; text-transform: uppercase; color: var(--teal-3); margin-bottom: 16px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin-bottom: 18px; }
.field-row.full { grid-template-columns: 1fr; }
.vl-field label { display: block; font-size: 13px; color: var(--text-2); margin-bottom: 8px; font-weight: 500; }
.vl-field input, .vl-field select, .vl-field textarea {
  width: 100%; padding: 14px 16px;
  background: var(--bg-2); color: var(--text);
  border: 1px solid var(--line-2); border-radius: 3px;
  font-family: var(--f-body); font-size: 15px;
  transition: border-color .15s, box-shadow .15s;
}
.vl-field input::placeholder, .vl-field textarea::placeholder { color: var(--text-3); }
.vl-field input:focus, .vl-field select:focus, .vl-field textarea:focus { outline: none; border-color: var(--teal-3); box-shadow: 0 0 0 3px var(--teal-glow); }
.vl-field select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%2322d3ee' stroke-width='2'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 16px center; padding-right: 42px; }
.vl-field textarea { min-height: 130px; resize: vertical; }
.form-divider { border: 0; border-top: 1px solid var(--line); margin: 26px 0; }
.submit-btn { width: 100%; background: var(--teal-2); color: #06121a; padding: 17px; margin-top: 8px; clip-path: polygon(10px 0,100% 0,100% calc(100% - 10px),calc(100% - 10px) 100%,0 100%,0 10px); }
.submit-btn:hover { background: var(--teal-3); }
.submit-btn:disabled { opacity: .7; cursor: default; }
.form-notice { display: flex; align-items: center; gap: 10px; font-size: 12.5px; color: var(--text-3); margin-top: 18px; line-height: 1.5; }
.form-notice svg { width: 18px; height: 18px; flex-shrink: 0; color: var(--teal-3); }
.form-fine { font-size: 12px; color: var(--text-3); margin-top: 20px; line-height: 1.6; }
.vl-msg { display: none; padding: 14px 16px; border-radius: 3px; font-size: 14px; margin: 18px 0 4px; }
.vl-msg.success { background: rgba(8,145,178,0.14); border: 1px solid var(--teal); color: var(--teal-3); }
.vl-msg.error { background: rgba(220,60,60,0.12); border: 1px solid rgba(220,60,60,0.5); color: #f0a3a3; }

/* Apply steps rail */
.apply-layout { display: grid; grid-template-columns: 0.85fr 1.3fr; gap: 48px; align-items: start; }
.step-rail h2 { font-size: 1.7rem; margin-bottom: 20px; }
.step-list { list-style: none; padding: 0; margin: 0; }
.step-list li { display: flex; gap: 16px; padding: 18px 0; border-bottom: 1px solid var(--line); align-items: flex-start; }
.step-list li:last-child { border-bottom: 0; }
.step-list .n { font-family: var(--f-mono); font-weight: 700; color: var(--teal-3); font-size: 15px; padding-top: 2px; }
.step-list strong { display: block; margin-bottom: 4px; font-family: var(--f-display); font-weight: 700; }
.step-list span { color: var(--text-3); font-size: 14px; }
.help-box { background: var(--bg-3); border: 1px solid var(--line); border-radius: 4px; padding: 24px; margin-top: 26px; }
.help-box .k1 { font-family: var(--f-display); font-weight: 700; margin: 0 0 6px; }
.help-box .k2 { font-size: 14px; color: var(--text-2); margin: 0 0 14px; }
.help-box a.tel { font-family: var(--f-mono); font-weight: 700; font-size: 22px; color: var(--teal-3); }

/* ============================================================
   CALCULATOR
   ============================================================ */
.calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: start; }
.calc-panel { background: var(--panel); border: 1px solid var(--line-2); border-radius: 4px; padding: 34px; }
.calc-panel h2 { font-size: 1.5rem; margin-bottom: 6px; }
.calc-panel .p-sub { color: var(--text-3); margin: 0 0 24px; font-size: 0.95rem; }
.calc-panel h2.mt { margin-top: 34px; }
.calc-input-group { margin-bottom: 20px; }
.calc-input-group label { display: block; font-size: 13px; color: var(--text-2); margin-bottom: 8px; font-weight: 500; }
.calc-input-group label small { font-weight: 400; text-transform: none; letter-spacing: 0; color: var(--text-3); }
.calc-input-group input {
  width: 100%; padding: 14px 16px; background: var(--bg-2); color: var(--text);
  border: 1px solid var(--line-2); border-radius: 3px; font-family: var(--f-mono); font-size: 16px;
}
.calc-input-group input:focus { outline: none; border-color: var(--teal-3); box-shadow: 0 0 0 3px var(--teal-glow); }
.calc-input-group small { color: var(--text-3); font-size: 12px; display: block; margin-top: 6px; }
.results-block { border: 1px solid var(--line); border-radius: 4px; overflow: hidden; margin-bottom: 22px; }
.results-block > h3 { font-family: var(--f-mono); font-size: 12px; text-transform: uppercase; letter-spacing: 0.14em; color: var(--text-2); background: var(--bg-3); padding: 16px 22px; margin: 0; border-bottom: 1px solid var(--line); font-weight: 700; }
.results-block.loan > h3 { color: var(--teal-3); }
.calc-row { display: flex; justify-content: space-between; align-items: center; padding: 14px 22px; border-bottom: 1px solid var(--line); }
.calc-row:last-child { border-bottom: 0; }
.calc-row .lbl { color: var(--text-2); font-size: 14px; }
.calc-row .val { font-family: var(--f-mono); font-weight: 700; color: var(--text); }
.calc-row.highlight { background: rgba(255,255,255,0.03); }
.calc-row.highlight .val { color: var(--text); }
.savings-hero { background: linear-gradient(135deg, var(--teal), var(--teal-2)); border-radius: 4px; padding: 30px; text-align: center; color: #06121a; }
.savings-hero .lbl { font-family: var(--f-mono); font-size: 12px; text-transform: uppercase; letter-spacing: 0.16em; margin-bottom: 8px; opacity: .85; }
.savings-hero .big { font-family: var(--f-display); font-weight: 900; font-size: clamp(2.6rem, 6vw, 3.6rem); letter-spacing: -0.04em; line-height: 1; }
.calc-fine { font-size: 12px; color: var(--text-3); margin-top: 16px; line-height: 1.6; }

/* ============================================================
   CONTACT
   ============================================================ */
.contact-grid { display: grid; grid-template-columns: 1.3fr 0.9fr; gap: 40px; align-items: start; }
.contact-card { border: 1px solid var(--line); border-radius: 4px; padding: 26px; margin-bottom: 16px; background: var(--panel); transition: border-color .2s; }
.contact-card:hover { border-color: var(--teal); }
.contact-card h3 { font-size: 1.2rem; margin-bottom: 6px; }
.contact-card p { color: var(--text-2); font-size: 0.95rem; margin: 0 0 12px; }
.contact-card > a { font-family: var(--f-mono); font-weight: 700; font-size: 20px; color: var(--teal-3); }
.hours-box { background: var(--bg-3); border: 1px solid var(--teal); border-radius: 4px; padding: 26px; margin-top: 16px; }
.hours-box .k1 { font-family: var(--f-display); font-weight: 700; font-size: 1.15rem; margin: 0 0 12px; }
.hours-box p { font-size: 14px; color: var(--text-2); line-height: 1.8; margin: 0; }

/* ============================================================
   FAQ
   ============================================================ */
.faq-list { max-width: 860px; }
.faq-item { border: 1px solid var(--line); border-radius: 4px; margin-bottom: 14px; background: var(--panel); overflow: hidden; transition: border-color .2s; }
.faq-item[open] { border-color: var(--teal); }
.faq-item summary {
  cursor: pointer; list-style: none; padding: 24px 26px;
  font-family: var(--f-display); font-weight: 700; font-size: 1.2rem; color: var(--text);
  display: flex; justify-content: space-between; align-items: center; gap: 20px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: "+"; font-family: var(--f-mono); font-weight: 700; font-size: 1.6rem; color: var(--teal-3); transition: transform .2s; line-height: 1; }
.faq-item[open] summary::after { transform: rotate(45deg); }
.faq-item .answer { padding: 0 26px 26px; }
.faq-item .answer p { color: var(--text-2); margin: 0 0 12px; }
.faq-item .answer ul { color: var(--text-2); margin: 8px 0 0; padding-left: 20px; }
.faq-item .answer li { margin-bottom: 6px; }

/* ============================================================
   LEGAL — sticky section nav
   ============================================================ */
.legal-layout { display: grid; grid-template-columns: 250px 1fr; gap: 56px; align-items: start; }
.legal-nav { position: sticky; top: 92px; }
.legal-nav .last-updated { font-family: var(--f-mono); font-size: 12px; color: var(--text-3); margin-bottom: 20px; letter-spacing: 0.04em; }
.legal-nav ul { list-style: none; margin: 0; padding: 0; border-left: 1px solid var(--line); }
.legal-nav li a { display: block; padding: 9px 0 9px 18px; margin-left: -1px; border-left: 2px solid transparent; color: var(--text-3); font-size: 14px; font-family: var(--f-mono); letter-spacing: 0.02em; }
.legal-nav li a:hover { color: var(--teal-3); border-left-color: var(--teal); text-decoration: none; }
.legal-content { max-width: 760px; }
.legal-content h2 { font-size: 1.5rem; margin: 44px 0 14px; padding-top: 8px; scroll-margin-top: 100px; }
.legal-content h2:first-of-type { margin-top: 0; }
.legal-content p { color: var(--text-2); margin: 0 0 16px; }
.legal-content strong { color: var(--text); }
.legal-content ul { color: var(--text-2); margin: 0 0 16px; padding-left: 22px; }
.legal-content li { margin-bottom: 8px; }
.legal-content li strong { color: var(--text); }
.legal-content .last-updated { font-family: var(--f-mono); font-size: 12px; color: var(--text-3); margin-bottom: 8px; }

/* ============================================================
   Footer
   ============================================================ */
footer { background: var(--bg-3); border-top: 1px solid var(--line); padding: 72px 0 40px; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 40px; }
.footer-grid p { color: var(--text-3); }
.footer-grid h5 { font-family: var(--f-mono); font-size: 12px; text-transform: uppercase; letter-spacing: 0.16em; color: var(--teal-3); margin: 0 0 18px; }
.footer-grid ul { list-style: none; margin: 0; padding: 0; }
.footer-grid li { margin-bottom: 12px; }
.footer-grid li a { color: var(--text-2); font-size: 14.5px; }
.footer-grid li a:hover { color: var(--teal-3); text-decoration: none; }
.footer-bottom { margin-top: 52px; padding-top: 24px; border-top: 1px solid var(--line); font-family: var(--f-mono); font-size: 12.5px; color: var(--text-3); letter-spacing: 0.02em; }
.footer-bottom small { display: block; margin-top: 12px; font-size: 11.5px; line-height: 1.7; color: var(--text-3); font-family: var(--f-body); letter-spacing: 0; max-width: 900px; }

/* ============================================================
   Responsive
   ============================================================ */
@media (max-width: 940px) {
  .nav-links { display: none; }
  .nav-links.open { display: flex; position: absolute; top: 100%; left: 0; right: 0; flex-direction: column; gap: 0; margin: 0; background: var(--bg-2); border-bottom: 1px solid var(--line); padding: 12px 32px 20px; }
  .nav-links.open li { padding: 10px 0; border-bottom: 1px solid var(--line); }
  nav.main .btn-cta { display: none; }
  .menu-toggle { display: block; }

  .hero-split .container { grid-template-columns: 1fr; padding-top: 70px; padding-bottom: 70px; min-height: 0; }
  .hero-split::before { clip-path: polygon(0 0, 100% 0, 100% 34%, 0 46%); }
  .hero-split::after { display: none; }

  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .stat-cell:nth-child(2) { border-right: 0; }
  .stat-cell:nth-child(1), .stat-cell:nth-child(2) { border-bottom: 1px solid var(--line); }

  .timeline { grid-template-columns: 1fr; }
  .timeline .step { border-right: 0; border-bottom: 1px solid var(--line); padding-right: 0; padding-bottom: 32px; }
  .timeline .step:last-child { border-bottom: 0; }

  .use-grid, .knowledge-grid, .diff-grid { grid-template-columns: 1fr; }
  .cta-band .container, .apply-layout, .calc-grid, .contact-grid, .editorial, .legal-layout { grid-template-columns: 1fr; }
  .cta-band::before { display: none; }
  .editorial .e-label { padding-top: 0; }
  .legal-nav { position: static; display: none; }
}

@media (max-width: 600px) {
  section { padding: 64px 0; }
  .container { padding: 0 20px; }
  .topbar .container span:first-child { display: none; }
  .phone-desktop { display: none; }
  .phone-mobile { display: inline; }
  .field-row { grid-template-columns: 1fr; }
  .form-card, .calc-panel, .loan-card { padding: 24px; }
  .stat-cell { padding: 34px 20px; }
}